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Member Since 12 Jul 2006
Offline Last Active Jan 27 2015 02:30 PM

#243211 Is it normal for an H.O.A. to request that our company lists them as an,...

Posted by wsdad on 28 November 2012 - 09:50 AM


Is it normal for an HOA (Home Owner's Associatin) to request that our appliance repair business list them as "additionally insured" on our business liability policy? We have listed a couple of home warranty companies that we are contracting for, but we've never heard of an HOA requesting it. However, we're kind of new to owning our own appliance repair business. Is this common for HOA's??? My experience with HOA's has been that sometimes someone gets, "in power" and makes a bunch of outrageous demands on everyone, just to feel important. I've become a little Leary of them. Please tell me if I'm being paranoid for no reason or if it truly is unusual for an HOA to be additionally insured on a contractor's business liability insurance.


Edit: I was mistaken. The home warranty companies are NOT, "additionally insured." They only have a certificate informing them that we're insured.

Thanks for all your great advice. Using it, I've decided there's enough appliances to repair in the world that I don't have to open ourselves up to this risk and expense. I can't imagine living in that community - I feel sorry for them.

I wonder if the people who deliver the new appliances will have to jump through those hoops. Maybe the residents will repair or install them themselves or get their HOA president to do it. ;)

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